House hack your way into real estate.
Buy a 2–4 unit property, live in one unit, and let the rent from the others help cover the mortgage. Owner-occupant loan programs can make this possible with a smaller down payment than a typical investment loan.
- Owner-occupant options for 2–4 unit properties
- Potential for rental income to offset your payment
- Help estimating rents before you buy
- Great first step into multifamily investing
Loan programs, down payment requirements, and eligibility vary by lender and borrower and change over time. A licensed lender can confirm what you qualify for.
What happens next
Get the numbers
A pro helps you estimate rents, payment, and what you can afford.
Shop smart
Tour 2–4 unit properties that fit your budget and plans.
See if house hacking fits you
Get connected with a pro who works with owner-occupant buyers.
Step 1 of 3
Free, no obligation. Takes about 60 seconds.
Questions
How long do I have to live there?
Owner-occupant loans typically require you to move in within a set period and live there for a minimum time, often about a year. Your lender will confirm the rules for your loan.
Can rent from the other units help me qualify?
Many lenders count a portion of projected rental income from the other units. Ask your lender how it applies to you.
Is a two-flat a good first property?
It's a common starting point in Chicagoland and Northwest Indiana: a manageable size with one tenant to start.
Own a building, too?
Find out what it's worth, with a free value and rent estimate.